Key Professionals
Larry Smith – Executive Managing Director
Larry founded Restoration Capital in 2007 and serves as Executive Managing Director. Prior to establishing Restoration Capital, he acted as an independent originator for firms such as Fortress Investments (Joint Venture Partner), Silver Point Capital and CIT Commercial Credit. He brings to Restoration Capital extensive experience with transactions involving the placement of equity, mezzanine debt, secured first lien debt, warehouse facilities and asset based loans. Larry is the former CEO/President of Finagle A Bagel, a $25million bakery wholesaler and retailer, and the former CEO of London Taxis North America, the exclusive distributor of the London Taxi vehicle in the United States and Canada. Larry also worked for eight years with General Electric Company’s Aircraft Engine Division in various manufacturing management and finance positions. He holds a Bachelor of Science degree in Mechanical Engineering and Applied Mathematics from the University of Rhode Island, is a graduate of the General Electric Company’s Manufacturing Management Program, and has studied for an M.B.A. at the Carroll School of Management at Boston College.
Susan Neal – Credit Analytics and Portfolio Management
O: (404) 630-0910
Susan specializes in the identification, valuation and mitigation of portfolio and individual loan file credit risk. She also possesses in-depth knowledge of the recourse/repurchase management function, and has been responsible for both the origination and servicing of construction permanent loans. Her strong analytical skills, combined with over 20 years of residential underwriting and risk management experience, enable her to proactively identify potential issues and remediation opportunities. Susan has a wealth of experience in portfolio credit risk analysis, including, but not limited to, concentration tracking, credit attribute and product use monitoring and risk layer analysis. This combination of aggregate and individual file level review experience uniquely qualifies her to identify issues and trends and formulate workable solutions for same. Susan has held several mortgage industry executive positions throughout her career, including Chief Lending Officer, Regional Underwriting Director and SVP-Credit Policy. She holds both B.A. and M.B.A. degrees from the University of Central Florida. Susan is also the owner of NDC Risk, LLC.
Kim Cossette- Portfolio Analytics and Construction Monitoring
O: (770) 401-8235
Kim has over 17 years’ experience in residential mortgage operations
quality and process improvement management. She most recently served as
SVP-Construction Lending for a large regional mortgage corporation and
specializes in CP portfolio modeling for bid price and cost assessments.
Her extensive knowledge of corporate and field operations, combined with
her process re-engineering and change management skills, enable her to
summarily perform gap analyses and develop implementation plans for identified
issues. Kim also has extensive experience in partnering with IT Solution
providers for the residential mortgage industry. She has a demonstrated
ability to ensure that project deadlines and budgets are met, and that
new systems and processes are deployed with fewer defects and maximum
efficiencies. Kim studied at Mt. Ida College in Newton, Massachusetts.
Kim is also a Managing Partner of Beacon Bridge Group, LLC.
